Branch County property record for 246 E Garfield Rd, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,583 sqft · built 1998 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,000 (Dec 1996) |
| Tax Bill | $2,157 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-020-300-020-00 |
| Primary APN | 070-020-300-020-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,583 sqft Living Area |
| 1st Floor Area | 2,583 sqft |
| Basement Area | 2,427 sqft |
| Unfinished Basement | 2,427 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Lot Area | 31,363 sqft (0.72 acres) |
| Lot Dimensions | 262 ft deep x 120 ft wide |
| Garage Area | 728 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 246 E GARFIELD RD |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-9175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | COM 350.10 FT DUE W OF S 1/4 POST TO TRUE POB TH DUE W 120 FT TH N 00DEG 12MIN W 262.22 FT TH DUE E 120 FT TH S 00DEG 12MIN E |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 20 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 951600 |
Source: Branch County records · APN 070-020-300-020-00
Assessment roll updated July 7, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 246 E GARFIELD RD, COLDWATER, MI 49036-9175 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2020 | Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST |
| Aug 08, 2017 | Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 19, 1996 · Amount on Record |
| Deed Sale | Dec 19, 1996 · Amount on Record |
| Deed Book / Page | 683 / 628 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 246 E GARFIELD RD, COLDWATER, MI 49036-9175 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202007959 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 2020-07959 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 246 E GARFIELD RD, COLDWATER, MI 49036-9175 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202007958 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 2020-07958 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 246 E GARFIELD RD, COLDWATER, MI 49036-9175 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017-05361 |
|---|---|
| Date | Aug 08, 2017 |
| Instrument | 2017-05361 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | Coldwater, MI 49036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 01, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Coldwater Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $190,900 (-0.1%) | $381,800 (-0.1%) | |
| 2025 | $2,157.00 (+2.67%) | $191,100 | $382,200 |
| 2024 | $2,101.00 |
Source: FEMA National Flood Hazard Layer as of April 19, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: Frontier, Spectrum.
Based on FCC filings for 15 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COLDWATER serves 13,822 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2021 |
| Lead | 9 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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